[Perfectmax]

I am very concerned because I am looking to refinance my house very soon and I just got a 1 x 30 day late on my Bank Of America Credit Card. I called them and try to dispute it but they stated that it would be against the law for them to do so. The reason that I have a late payment is because I use this ccard for my work expenses and my company took forever to cut me a check. (still my fault, i guess, and I feel very stupid!).

My credit has always been 740+ and now it dropped to 650 overnight! I went ahead and paid the small balance on the card and closed the account.

My question: How screwed am I? What do I need to do to get my credit back up to 740+ and most importantly, how long with that take???

Thank you for your advice / input!!